You want a car insurance company that makes it easy to file a claim should you find yourself in an accident.
Generally, your ability to file a claim should be smooth and your insurance company should come to your aid in the case of an accident.
If you should find yourself in an accident, there are a few things you need to remember.
1- You need to remain calm.
Unless there are severe injuries, accidents are things that happen to everyday people and there is no need to panic. If you are not hurt, then the accident will probably be no more than an inconvenience and a loss of your vehicle while it is being repaired or totaled out. If you were not at fault, you probably will not receive a ticket.
If you were at fault, you may receive a citation from law enforcement.
Call 911 if you have been in an accident and if you are carrying a cell phone with a camera, then take photos of all the other vehicles and road conditions. You want to document as much as you possibly can.
2- You need to talk only to the police or your insurance company.
Once law enforcement is on the scene, they will take each person’s statement and get license and registration information from all the drivers. They will also collect insurance information from each party.
Law enforcement will do their investigation and create a report that you can pick up from the police station when it is finished. You will need this report to give to your insurance company.
3- You need to get all your paperwork together.
You will notify your insurance company of an accident if you are at-fault, if you are not, you will not need to notify them unless there is a problem.
You will need to collect the police report, your insurance information and all the other driver’s information and get estimates on your repairs.
4- You need to get body-shop estimates.
If this has been a minor accident and your vehicle is drivable, then you can go from bodyshop to bodyshop and get estimates. If your vehicle was not drivable and had been towed, find out where it is and have it towed to a bodyshop of your choice.
You can take the vehicle to whichever shop you prefer and they will help you get your paperwork filed.
5- You need to work with the bodyshop and your insurance company to get your car repaired.
The bodyshop works with insurance companies all day long and they are well versed in what it takes to get your vehicle repaired. If the accident was your fault, you will most likely need to pay your deductible before the bodyshop will release the vehicle back to you.
If the accident was not your fault, the insurance company the at-fault driver has will take care of your deductible and repairs.
When you do auto insurance comparison, it is important to look at all aspects of the insurance company. Comparing how you are treated after an accident is just as important as to that cheap insurance premium.